Emerald Credit Association Federal Credit Union

Credit UnionFCUGreenwood, SC·Est. 1968·NCUA #19047Compare ⇄▤ Account brief

Total assets

$10.9M

▲ +11.7% YoY

Shares & deposits

$10.0M

▲ +12.4% YoY

Loans

$7.4M

▼ -4.7% YoY

Members

1,202

▼ -2.4% YoY

ROA (annualized)

0.31%

peers 0.60%

ROE (annualized)

4.02%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+11.7%	+1.3%	+10.4 pts
Share growth (YoY)	+12.4%	+0.7%	+11.7 pts
Loan growth (YoY)	-4.7%	-2.4%	-2.4 pts
ROA	0.31%	0.60%	-0.3 pts
ROE	4.0%	4.1%	-0.1 pts

ROA ranks in the 36th percentile of its peer group · Q1 2026

Profile

Established: 1968
Charter: FCU
Primary regulator: NCUA
NCUA peer group: Peer group 3
Address: 2117 Kateway, Greenwood, SC, 29646
NCUA charter #: 19047
RSSD ID: 260886
Latest call report: Q1 2026

Total assets last 8 quarters

Members last 8 quarters

Quarterly financials NCUA 5300 call report

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$10.9M	$10.0M	$7.4M	$855K	$9K	0.31%	4.56%	0.00%	1,202
Q4 2025	$10.1M	$9.2M	$7.6M	$846K	$44K	0.44%	4.79%	0.01%	1,213
Q3 2025	$9.6M	$8.7M	$7.8M	$836K	$34K	0.47%	4.99%	0.17%	1,219
Q2 2025	$9.6M	$8.7M	$7.9M	$823K	$21K	0.43%	4.94%	0.00%	1,237
Q1 2025	$9.8M	$8.9M	$7.7M	$813K	$11K	0.45%	4.81%	0.00%	1,232
Q4 2024	$8.9M	$8.1M	$7.8M	$802K	$66K	0.73%	5.13%	0.56%	1,240
Q3 2024	$8.9M	$8.1M	$7.2M	$788K	$52K	0.77%	5.10%	0.22%	1,258
Q2 2024	$9.1M	$8.2M	$7.3M	$767K	$30K	0.67%	4.97%	0.00%	1,264

Signals what changed in the call reports

Members down·Members -2.4% YoY (2%+ decline) — Losing members — growth and digital experience are top of mindDeposits up·Shares & deposits +12.4% YoY — Growing franchise; likely investing in capacityThin capital·Net worth ratio 7.81% — Near the regulatory minimum; regulators watching, discretionary spend frozen

Earlier quarters (4)

Members -2.2% YoY (2%+ decline)Q4 2025
Shares & deposits +13.7% YoYQ4 2025
Members -3.1% YoY (2%+ decline)Q3 2025
Members -2.1% YoY (2%+ decline)Q2 2025

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.31%	0.60%	36th
Return on equity Annualized net income ÷ equity or net worth	4.0%	4.1%	49th
Net interest margin Interest income − interest expense, ÷ assets	4.56%	3.83%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%